The Roncal Carmelino Group at Morgan Stanley

The complexities of debt management, caregiving costs, career breaks and other major life milestones should all be factored into financial decisions to help ensure women feel confident and informed about their futures.

Armed with education and a plan, women can feel more confident about their financial goals and how they'll achieve them.

From establishing good credit to exploring investment opportunities, taking a proactive role in your financial life can be one of the keys to attaining your goals. This is true no matter your age, gender identity, or relationship status—but it's especially important for women as they fully realize their economic power.

Women's earnings, assets and decision-making power are growing — reshaping where capital flows across the economy and markets. What could it mean for your portfolio?

Preparing heirs is just as important as building wealth. Morgan Stanley emphasizes that younger generations face unique challenges—from financial literacy to navigating responsibility and leadership within family wealth structures.

We help the next generation:

• Build financial confidence and literacy
• Understand family wealth structures and responsibilities
• Engage in philanthropic and investment decision-making
• Develop their own independent financial identity

We act as a bridge—helping younger family members feel heard while honoring the legacy that came before them.

With one of the largest wealth transfers in history underway, thoughtful planning is essential.
Morgan Stanley highlights that estate planning helps ensure your assets are distributed according to your wishes while minimizing complications for heirs.

Our team works with you to:

• Structure efficient wealth transfer strategies
• Coordinate with estate attorneys and tax professionals
• Incorporate philanthropic and charitable giving goals
• Facilitate family conversations around legacy and values

We don't just focus on documents—we help define what your legacy means.

For families with more complex needs, Morgan Stanley provides institutional-level support traditionally reserved for large family offices.

Through Family Office Resources, clients gain access to:

• Integrated investment management and reporting
• Family governance and decision-making frameworks
• Wealth education programs for heirs
• Philanthropy and lifestyle advisory services
• Specialized estate and tax planning expertise

These capabilities are designed to simplify complexity while supporting long-term family goals and continuity.

Our Unique Perspective: A Family Guiding Families

What sets our team apart is simple: we don't just advise on family dynamics—we live them. As a mother and daughter:

• We understand firsthand the differences in financial priorities across generations
• We create space for both legacy preservation and modern perspectives
• We help families navigate sensitive conversations with trust and authenticity

Research shows that successful multigenerational planning increasingly requires aligning different generational values and fostering open communication. That's where we excel.